I grew up this way, got the genes from my folks, mainly my dad. We were a one income family most of the time and mom was a SAHM. If she earned any extra it was from Avon, or babysitting, or the like. She went back to work in her 50s I believe, in elder care. Dad never had a credit balance. Bought his cars with loans, but paid them off in a few months to a year (just to build credit).
Whenever I wanted something, I earned the money for it first. There were never handouts for dates or anything like that. Paid for my own gas in the family car, etc. Paid for college, and paid off the tiny student loan I had when I graduated. Our homes were bought with largish down payments by real estate bubble standards. Only two cars we have ever owned had loans on them, for less than a year in both cases, which was simply in order to build a credit record for when we decided to buy a bigger home. We bought the land to build our dream home in cash, and then built it with cash, over a 3 year period. I hate debt. I hate the feeling of being in bondage...indentured servitude.
Interestingly enough, while they say the nut never falls far from the tree, my three siblings nuts fell miles away from mom and dad's tree, while mine is planted firmly at their roots.
Still working, but that is to save for our FIRE goals.
R